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Administrative expenses exceed $300 per participant per year - possible fee-review opportunity. (Recordkeeping / audit / legal; excludes investment management.)
Fidelity bond coverage is below the ERISA section 412 10%-of-assets minimum (capped at $500,000).
| Metric | This plan | Peer set | Industry | Size |
|---|---|---|---|---|
| Avg account balance | $35,966 | $65,027-44.7% | $90,970-60.5% | $79,852-55.0% |
| Participation rate | 87.8% | 61.6%+26.2pp | 69.0%+18.8pp | 69.6%+18.2pp |
| Annual return | 15.11% | 30.45%-15.3pp | 134.58%-119.5pp | 31.72%-16.6pp |
| Employer contribution / active EE | $456 | $1,247-63.4% | $2,122-78.5% | $2,471-81.5% |
| Participant deferral / active EE | $3,395 | $2,512+35.1% | $3,373+0.6% | $3,740-9.2% |
| Admin fee / account holder | $652 | $4,535-85.6% | $5,960-89.1% | $5,306-87.7% |